Federal credit union · South Shore, Kentucky · NCUA charter #10177
Tayco Employees
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $2.0M
- Total assets
- 398
- Members
- 51.9%
- Net-worth ratio
Tayco Employees scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.0M; members 398; net-worth ratio 51.89%; health rank #3,847 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,847 of 4,374 health · 2025Q4Tayco Employees · health 65/100 · $2.0M · 2025Q4
- ROA 65/100
- ASSETS 51.9%
- MEM 11.18%
- RANK 1.15%
- PHOTO $2.0M
- BOOK 398
- CHARTER #3,847/4,374
- NCUSIF n/a
- CAMELS 10177
Call Report peers
Tayco Employees carries $2.0M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Tayco Employees vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Tayco Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #10177. See our deposit-insurance coverage note.
Peer-gap read for Tayco Employees
- Net Worth Ratio leads the peer set - 51.89% here, 19.06% peer average (+32.83 pp).
- Widest shortfall vs peers is Delinquency Rate: +9.37 pp (11.18% vs 1.81%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Tayco Employees in Kentucky
- Kentucky health ordinal: #48 of 54.
- Assets rank #53 of 54 inside Kentucky ($2.0M reported).
- Kentucky membership ordinal: #53 of 54.
In-state ordinals use the live credit_unions table for KY only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Tayco Employees Call Report trajectory
Tayco Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.4% from $2.0M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (51.91% → 51.89%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
51.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 12.3 pts
Tayco Employees health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 51.89% | +32.83 pp |
| Delinquency Rate | 11.18% | +9.37 pp |
| Return on Assets | 1.15% | +0.70 pp |
| Member Growth | -0.75% | - |
| Loan-to-Share Ratio | 56.63% | -6.97 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Tayco Employees quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 2025Q4 | $2.0M | 398 |
| 2024Q4 | $2.0M | 401 |
| 2023Q4 | $2.3M | 399 |
Credit Union Details
- Charter Number
- 10177
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $2M–$10M
- State
- Kentucky
- City
- South Shore
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Tayco Employees.
| Office | City |
|---|---|
| Tayco Employees FCU (Main Office) | South Shore, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
A look at other Kentucky credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Tayco Employees
Two NCUA Call Report peer sets for Tayco Employees, both outside Kentucky so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Tayco Employees ranks #3,847 of 4,374 nationally on financial health and #48 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Corning Glass Works Harrodsbg is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Corning Glass Works Harrodsbg
- Rates and health both vary by institution, not just by state -- see how Kentucky credit unions compare overall before assuming this one is typical. Kentucky state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Tayco Employees financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Tayco Employees carries a financial health score of 65/100 (Good). On the national health ranking (same basis as /rankings/healthiest), it sits at #3,847 of 4,374; by total assets it ranks #4,130 of 4,374 nationally (same basis as /rankings/largest); and #53 of 54 within Kentucky. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 51.89% net worth ratio and a 11.18% delinquency rate.
How does Tayco Employees compare to other credit unions?
PlainCU's health composite puts Tayco Employees at 65/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Tayco Employees?
Tayco Employees operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Tayco Employees directly for the exact boundaries and application steps.
Is my money safe at Tayco Employees?
Federal credit unions like Tayco Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Tayco Employees's net worth ratio of 51.89% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Tayco Employees offer compared to banks?
Credit unions like Tayco Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Tayco Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.